One adult, one child, one room, no witnesses. That is the whole underwriting question.
Insurance for tutors and tutoring businesses — why a job with no premises, no equipment and no employees is still underwritten carefully, what districts and families ask for, and what it costs.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What tutor insurance actually covers.
The unsupervised hour
Tutoring has almost no property exposure and almost no bodily injury exposure. What it has is an adult alone with a minor, routinely, often in a home. That single fact is what an abuse and molestation requirement exists for, and it is why a tutor with no premises is still asked for a limit. California districts increasingly ask $3,000,000 per occurrence and $6,000,000 aggregate — Azusa Unified and Lawndale Elementary both do for work with children. Elsewhere $1M/$2M and $2M/$4M are the common asks. Read the aggregate as well as the per-occurrence number: it is the one that fails first.
Without it — A district contract or an agency panel stalls at the certificate, and there is no cheaper policy that satisfies it because the exposure is not the office, it is the hour.
Working through a district or an agency
Supplemental instruction contracts and tutoring platforms usually carry their own insurance requirements, and they usually ask the tutor to carry their own limit rather than relying on the agency's. Read whether you are being asked for professional liability, general liability, abuse and molestation, or all three — they are separate limits and a certificate showing the wrong one is refused.
Without it — You buy the wrong policy, in good faith, and are told so at the deadline.
Online tutoring
Remote work removes the room but not the relationship, and requirements increasingly say so explicitly. Recording policy, platform choice and whether a parent can observe are now underwriting questions rather than operational ones.
Without it — An account written as "online only, no contact" that turns out to include in-home sessions is a misrepresentation, and that is a coverage problem rather than a pricing one.
What clients with tutor insurance ask us.
I am one person with an LLC. Do I need a business policy?
Sometimes not, and we will say so. A true solo tutor with no entity, no staff and no contract requirements is often well served by an individual professional liability policy at a few hundred dollars a year, and no broker rebuilding that beats it. The moment there is an LLC that signs the contracts, anyone working under you, or a district asking for a specific limit, the individual policy stops matching the thing that gets sued. Send us the requirement and your current declarations page and we will tell you which side of that line you are on.
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.